What are origination services? What is an origination fee?

updated 9/10/2013

An origination fee is what the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan application, underwriting and funding the loan, and other administrative services. Origination charges are listed in Block 1 on your Good Faith Estimate (GFE) (and Line 801 of your settlement statement), and generally cannot increase at settlement of your mortgage loan.

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